KR20180085705A - A method and system for providing relational financial service - Google Patents

Abstract

The present invention relates to a method for providing a relational financial service, which provides a financial service through a financial messenger completely registered for using a financial service using financial information including account information on a user. The method for providing a relational financial service comprises the steps of: accessing a financial messenger through at least one authentication method; selecting at least one counterpart from a friend list in the financial messenger; selecting at least one financial service in a chat window with the selected counterpart; inputting execution information for executing the selected financial service; and displaying an execution result of the financial service on the chat window.

Description

[0001] The present invention relates to a method and system for providing relational financial services,

The present invention relates to a method and system for providing relational financial services, and more particularly, by providing financial services using a financial messenger application, it is possible not only to provide financial services in a form of interacting with each other while interacting with each other, And more particularly, to a method and system for providing a relational financial service capable of displaying transaction details.

Traditionally, financial transactions, which have been made through banking centers, have been made using personal computers (PCs) or smart phones without visiting banks due to the development of information and communication technologies. Financial transactions using a personal computer (PC) are performed through an Internet banking website provided by a financial company. On the other hand, financial transaction using a smart phone is performed using a smart banking application installed on a smart phone, It is called banking service.

However, in the case of financial transactions using such banking services, only one-sided financial services are provided to users who subscribe to financial services. Specifically, in the case of the transfer (transfer) service, since only the account number of the remitter is automatically displayed and a plurality of pieces of information such as the account password, the account number of the remittee, the OPT number, and the certificate password are input for the transfer, have. In addition, in the case of the inquiry service, it is difficult to inquire the details of a financial transaction corresponding to a specific counterpart or to understand the circumstances under which a financial transaction was performed because the user only lists the financial transaction details of the user in time.

Recently, according to the general use of the Internet and smart phones, people are interacting with and acquiring familiarity online. Particularly, in the case of a smart phone, a conversation that has conventionally been performed through a telephone or a character has been performed in a chat mode using a financial messenger service (for example, a kakao talk, a line, Unlike in the past when services on PCs were developed for smartphones due to their use, financial messengers of smartphones have been developed and used for PCs.

In this situation, there is a need to provide financial services for each transaction centered on relationships by providing financial services using a messenger familiar to the general user.

Korean Patent Publication No. 2008-0036368 (2008.04.28.)

It is an object of the present invention to provide a method of providing a relational financial service in which a banking service is provided using a financial messenger format so that a financial transaction with a counterpart can be conveniently performed in a familiar form or a method (UI / UX).

Another object of the present invention is to provide a financial messenger which can execute and inquire financial transactions with a counterpart during interaction with a counterpart in a chat window of a financial messenger, And to provide a method of providing a relational financial service capable of grasping information.

It is another object of the present invention to provide a method of providing a relational financial service capable of performing remittance more conveniently and safely by requesting remittance to the other party in the chat window or performing remittance in response to a remittance request of the other party.

It is another object of the present invention to provide a method of providing a relational financial service in which a financial user can confirm the number of transactions and the amount of money according to a counterpart by providing statistics of a financial transaction according to a chat window or a counterpart.

Another object of the present invention is to provide a method of providing a relational financial service capable of paying a third party through a cash transfer method instead of a card payment method by requesting and approving a payment approval (payment transaction) will be.

Another object of the present invention is to provide a relational financial service providing method that can easily select and execute a financial transaction by selecting a self as a counterpart and providing a financial service different from the case of selecting a counterpart I would like to.

Other objects of the present invention will become more apparent from the following detailed description and the accompanying drawings.

According to an aspect of the present invention, there is provided a relational financial service providing method for providing financial services through a financial messenger that is registered with a financial service using financial information including account information of a user, A method for providing a service, comprising: connecting to a financial messenger through at least one authentication method; Selecting at least one party of a buddy list in the financial messenger; Selecting at least one financial service in a dialog with the selected counterpart; Inputting execution information for execution of the selected financial service; And displaying the execution result of the financial service in the dialog.

The financial service may include an inquiry service, and when the selected financial service is a inquiry service, displaying the execution result may display only the execution result of the financial service performed in the dialog box.

The financial service may include a remittance service. When the selected financial service is a remittance service, the execution information includes a remittance amount and authentication information, and the authentication information includes a preset remittance password, an OTP number, a certificate password, And biometric authentication information including fingerprint, iris, and vein recognition.

The financial service may include a remittance request service. If the selected financial service is a remittance request service, the execution information includes a remittance request amount, and the execution result includes a remittance request amount and a remittance amount And a remitting execution button for remitting the money to the user.

Wherein the counterpart may include a plurality of counterparts and if the selected financial service is a remittance request service, the execution information includes a remittance request amount for each of the plurality of counterparts, and the execution result includes a remittance request And a remittance execution button to remit the money to the user corresponding to the remittance requested amount for each counterpart.

The method of providing a relational financial service may further include executing remittance for the remittance request by clicking a remittance execution button and inputting authentication information for a remittance request executed by the user, The information may include at least one of a preset remittance password, an OTP number, a certificate password, and biometric authentication information including fingerprint, iris, vein recognition.

The financial service may include a statistical service, and if the selected financial service is a statistical service, displaying the execution result may provide statistics on a financial transaction with a counterpart of the currently executing dialog.

The financial service may include a payee approval service, and when the selected financial service is a payee approval service, the execution information includes a payee approval amount and a money amount, and the execution result includes a payee approval amount and a payee approval button If the user clicks a pay-approval button, the pay-out amount is transferred to an account of a settlement destination included in the pay-out details in a reservation transfer form, and the approval result is displayed on the dialog box of the user. The transfer can be executed by confirming the approval result at the settlement terminal.

The friend list may include the user himself or herself, and when the selected counterpart is the user, the financial service provided in the chat window may be different from the financial service when the other person is selected.

A computer-readable storage medium according to another embodiment of the present invention includes instructions that, when executed by a computing device, cause the computing device to perform any of the above-described methods of providing relational financial services.

The effect of the method of providing a relational financial service according to the present invention will be described as follows.

First, in financial messenger's dialog window, it is possible to execute and inquire financial transactions with the other party while interacting with the other party, so that not only the transaction details of the other party can be inquired, but also the necessary information There is an advantage.

Secondly, there is an advantage that remittance can be carried out more conveniently and safely by requesting remittance to the other party in the chat window of the financial messenger or performing remittance according to the remittance request of the other party.

Third, there is an advantage that a financial user can confirm the transaction frequency and amount according to the other party by providing the statistics of the financial transaction according to the dialogue window of the mobile messenger or the other party.

Fourth, there is an advantage that third party payment can be made by a cash transfer method rather than a card payment method by requesting and approving a payment approval (payment transaction) to a third party in a dialog window.

Fifth, there is an advantage that the user can select himself as the other party, and can easily execute and inquire his / her financial transaction by providing a financial service different from the case of selecting another person.

Further objects to be solved by the present invention will become more apparent from the following detailed description and drawings.

1 is a schematic configuration diagram of a relational financial service providing system according to an embodiment of the present invention.
2 is a block diagram illustrating a configuration of a customer terminal shown in FIG.
3 is a data flow diagram illustrating a method for providing a relational financial service according to an embodiment of the present invention.
4 is a diagram illustrating an exemplary screen for providing a financial service selection menu in an execution screen and a dialog of a financial messenger in a method of providing a relational financial service according to an exemplary embodiment of the present invention.
5 is a diagram illustrating an exemplary screen for displaying the execution result of the remittance service in the method of providing a relational financial service according to an embodiment of the present invention.
6 is a diagram illustrating an exemplary screen for displaying the execution result of the remittance request service in the method of providing a relational financial service according to an embodiment of the present invention.
FIG. 7 is a diagram illustrating an exemplary screen for displaying the execution result of a remittance service according to a remittance request in the method of providing a relational financial service according to an embodiment of the present invention.
FIG. 8 is a diagram illustrating an exemplary screen for displaying the execution result of the statistical service of the inter-personal chat window in the method of providing a relational financial service according to an embodiment of the present invention.
9 is a diagram illustrating an exemplary screen for displaying a result of execution of a statistical service of a dialog between a company and an individual in a method of providing a relational financial service according to an embodiment of the present invention.
FIG. 10 is a diagram illustrating a process of executing a payment approval service in a method of providing a relational financial service according to an exemplary embodiment of the present invention. Referring to FIG.
FIG. 11 is a diagram illustrating an exemplary screen for providing a financial service selection menu when the user selects me as a conversation partner in the method of providing a relational financial service according to an exemplary embodiment of the present invention.
FIG. 12 is a diagram illustrating an exemplary screen for selecting a counter party in a method of providing a relational financial service according to another embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. The embodiments of the present invention can be modified in various forms, and the scope of the present invention should not be construed as being limited to the embodiments described below. The embodiments are provided to explain the present invention to a person having ordinary skill in the art to which the present invention belongs. Accordingly, the shape of each element shown in the drawings may be exaggerated to emphasize a clearer description.

1 is a schematic configuration diagram of a relational financial service providing system according to an embodiment of the present invention. 1, a relational financial service providing system 100 according to an embodiment of the present invention includes a plurality of customer terminals 110a, 110b, and 110c, a financial app server 120, and a banking server 130 Which are connected to each other via the communication network 150.

The customer terminal 110 is a communication terminal device capable of transmitting and receiving various data via the communication network 150 according to a user's operation. The communication terminal device 110 is a financial messenger application (for example, Hereinafter, referred to as a 'financial messenger') and execute the same to access the financial messenger server. After accessing the financial messenger, the customer terminal 110 joins the financial messenger by inputting financial information including financial institution information, account information and authorized certificate information, and authenticating the financial information. Thereafter, the customer terminal 110 executes a financial messenger installed in each customer terminal 110 and selects a conversation partner to transmit a message to the other customer terminal 110 through the dialog window, Lt; / RTI > In the present embodiment, it is described that the messenger can be used after membership registration by inputting financial information and authenticating the user. However, the present invention is not limited to this, and it is possible to use a messenger to send a message The financial services can be accessed through messenger by inputting authentication information separately when using financial service.

In addition, the customer terminal 110 may be configured to provide various financial service selection menus in which a desired financial service can be selected in a chat window with a counterpart performed by a financial messenger installed in each customer terminal 110, By selecting one, you can select the desired financial service. The customer terminal 110 may perform the financial service selected by the customer and provide the result to the dialog of the financial messenger. To this end, the customer terminal 110 provides an input interface for receiving the execution information necessary for executing the selected financial service in the dialog window, and provides the financial service based on the execution information input to the input interface. The execution information and execution method necessary for executing each financial service will be described later with reference to FIG.

The financial messenger server 120 is a server that relays messages to exchange messages between a plurality of client terminals 110a, 110b, and 110c, and manages a messaging session between the plurality of client terminals 110 . Also, the financial messenger server 120 according to the present invention plays a role of providing financial services in cooperation with the banking server 130. To this end, the financial messenger server 120 transmits the authentication information for membership registration received from the customer terminal 110, and execution information for executing the financial service to the banking server 130, and then transmits the authentication result and the financial service execution result And transmit it to the customer terminal 120. Although not shown, the financial messenger server 120 may include a message queue module, an instant messaging module, a gateway monitoring module, and a control module.

When a message is transmitted from the client terminal 110, the message queue module stores the message packet in a queue and extracts the message in a first-in first-out (FIFO) manner. The message queue module performs specific logic on the extracted message and sends the message to the control module. The logic performed by the message queue module may include prohibited word filtering, determination of the packet delivery server, and the like.

The instant message module functions to mediate a message packet transmitted between the customer terminals 110. The instant message server receives the message packet from the control module, and transmits the message packet to the client terminal 110 as a receiver.

The gateway monitoring module processes the connection request when the customer terminal 110 initially accesses the financial messenger application and provides the address information of the messenger server 120 to be accessed by the customer terminal 110 to the customer terminal 110 . When the user accesses the financial messenger application through the customer terminal 110, the login request of the user is transmitted to the gateway monitoring module, and the gateway monitoring module processes the login request of the user, and then transmits the processing information to the control module.

The control module is a module for controlling the instant message transmission operation as a whole. The control module manages the connection of the customer terminals and processes the messages transmitted by the customer terminals, the execution request of the financial service, and other instant messenger request information. In general, when a message is transmitted to the control module, the control module transmits the transmitted message to the instant message module, and when the financial service is selected, the control module requests input of execution information for execution of the financial service, And execution information to the banking server to execute the financial service.

The banking server 130 receives authentication information from the financial messenger server 120 upon membership in a financial messenger application and performs authentication according to whether the authentication information is matched with the registered authentication information. A banking server (an Internet banking server and a smart banking server). The banking server 130 also receives execution information for executing a financial service execution request and a financial service from the financial messenger server 120 and transmits the execution result of the financial service to the financial messenger server 120.

The financial messenger server 120 and the banking server 130 are not limited thereto and the financial messenger server 120 and the banking server 130 may be servers operated by the same financial institution, In this case, the financial messenger server 120 and the banking server 130 can exchange data through the internal communication bus, not the communication network 150.

Hereinafter, a customer terminal 110 according to an embodiment of the present invention will be described in detail with reference to FIG. 2 is a block diagram showing the configuration of the customer shown in Fig. 2, a customer terminal 110 providing a method of providing a relational financial service according to an embodiment of the present invention includes an input unit 111, a communication unit 113, a control unit 115, a display unit 117, And a storage unit.

The input unit 111 is a means for receiving the execution of the financial messenger, the selection of the financial service, the execution information for executing the selected financial service, etc. from the user of the customer terminal 110 and may be a key input means such as a keyboard or a keypad, But is not limited to, at least one means selected from the group consisting of a touch input means such as a sensor or a touch pad, a voice input means, a gyro sensor, a geomagnetic sensor, an acceleration sensor and a proximity sensor and a camera, Or any type of input means that may be developed in the future.

The communication unit 113 supports transmission and reception of various information with the financial messenger server 120 through the communication network 150 and may include a wired / wireless communication module. In detail, the communication unit 113 according to an exemplary embodiment of the present invention transmits financial information, authentication information, financial service execution information, and the like for membership registration to the financial messenger server 120, And receives the execution result of the financial service.

The control unit 115 controls the overall operation of the customer terminal 110. The control unit 115 is connected to at least one component provided for executing the method of providing a relational financial service according to an embodiment of the present invention, do. In detail, the controller 115 according to an embodiment of the present invention controls the entire process of executing the financial messenger application provided by the financial messenger server 120 according to the request of the user. In addition, the control unit 115 may access the financial messenger server 120 to access the financial messenger server 120 through the financial messenger server 120. For example, You can control the whole process of joining and executing financial services.

For this purpose, the controller 115 according to an embodiment of the present invention includes a mobile messenger module 114 and a financial service provision module 116. Since the general control function of the control unit 115 is known, a description thereof will be omitted. Hereinafter, the mobile messenger module 114 and the financial service provision module 116 will be described in detail.

The mobile messenger module 114 executes a financial messenger application in response to a user's execution request for a financial messenger application via the input unit 111, and transmits a message to another user via a financial messenger having a dialog composed of a dialog display field and a dialogue input field And performs a general mobile messenger function of exchanging messages with the mobile communication terminal of the mobile communication terminal.

In addition, the mobile messenger module 114 receives the financial information input through the input unit 111 for membership registration at the initial execution of the financial messenger, and transmits the received financial information to the financial service providing module 116. The financial information for membership includes, for example, financial institution information, account information, and authorized certificate information, but is not limited thereto. The financial information for the membership can be obtained by logging in through the banking server to the financial institution where the user's account is opened, And may include any appropriate financial information.

The mobile messenger module 114 can separately request information necessary for membership of a general mobile messenger such as a user's ID and password in addition to financial information for checking financial information of the user at the time of membership registration, A user ID and a password. The financial messenger according to an embodiment of the present invention may include financial information, unlike a general messenger. Unlike a messenger that is executed only by clicking an icon, the financial messenger requests input of login information at execution time. However, Just like clicking an icon can be executed.

The mobile messenger module 114 can display the friend list through the display unit 117 for selecting a conversation partner or a financial transaction counterpart and can select an input for selecting a counterpart through the input unit 111. [ When the financial service menu is selected during the conversation with the other party, the mobile messenger module 114 pops up a financial service selection screen for selecting the financial service in the dialog window. The mobile messenger module 114 receives a selection of a financial service from a user and receives an execution information for execution of a financial service from a user by displaying an input interface for inputting execution information for execution of the selected financial service. The mobile messenger module 114 requests execution of the financial service by providing the financial service selected for execution of the financial service and its execution information to the financial service providing module 116 to be described below.

The financial service providing module 116 executes the financial service based on the selected financial service and its execution information when execution of the financial service is requested from the mobile messenger module 114. [ The financial service provision module 116 may execute the financial service by transmitting information for executing the financial service to the banking server 130. [ The type of financial service, execution information of each financial service, and execution method will be described later with reference to Figs. 4 to 11 below.

The financial service provision module 116 may receive the execution result of the financial service from the banking server 130 and display the execution result in the dialog window via the mobile messenger module 114. [ Concrete execution results according to each financial service will be described later with reference to Figs. 4 to 11 below.

The display unit 117 displays information such as a series of operational states and results generated while performing the function of the customer terminal 110. The display unit 117 according to an embodiment of the present invention includes a financial messenger It is possible to display various information according to the execution of the program. Various information displayed through the display unit 117 will be described later with reference to FIGS. 4 to 11 below.

In this embodiment, the display unit 117 and the input unit 111 are separately provided. However, in another embodiment, the display unit 117 may be implemented in the form of a touch panel or a touch screen integrated with the input unit 111 And the input unit 111, various information can be inputted and displayed according to the touch operation of the user.

The storage unit 119 stores programs and data necessary for the operation of the customer terminal 110. The storage unit 119 according to the present invention can store the financial messenger program and data for execution thereof.

Hereinafter, a method of providing a relational financial service according to an embodiment of the present invention will be described in more detail.

FIG. 6 is a data flow diagram illustrating a method for providing a relational financial service according to an embodiment of the present invention. FIG. As shown in FIG. 3, the customer terminal 110 downloads a financial messenger through an application store or the like, and executes the downloaded financial messenger to access the financial messenger server 120 (S101). The user inputs financial information including financial institution information, account information, authorized certificate information, and membership subscription information including a user ID and a password through the customer terminal 110 at the initial execution of the financial messenger (S102) The customer terminal 110 transmits the membership subscription information to the financial messenger server 120. As described above, in this embodiment, financial information including financial institution information, account information, authorized certificate information, and the like is input at the time of membership registration. However, the present invention is not limited thereto. In other embodiments, Financial services can be entered separately when registering for use.

The financial messenger server 120 transmits authentication information such as a public key certificate to the banking server 130 corresponding to the financial institution corresponding to the financial institution information among the financial information included in the received membership subscription information (S104) Confirm that an account is opened in the financial institution. The banking server 130 completes the user authentication based on the authentication information transmitted from the financial messenger server 120 in step S105 and transmits the account information of the authenticated user to the financial messenger server 120 in step S105. The financial messenger server 120 compares the account information received from the banking server 130 with the account information included in the membership subscription information received from the customer terminal 110 to complete the membership subscription procedure in step S107, And transmits a membership completion message to the customer terminal 120 (S108). This completes the membership of the financial messenger, and the user can then use the financial service using the account included in the membership information on the financial messenger. In this embodiment, only one account can be registered and used. However, the present invention is not limited thereto. In other embodiments, it is possible to use an account opened in a plurality of accounts or a plurality of financial institutions opened in one financial institution It will be self-evident.

A method of executing the financial service using the financial messenger after the completion of the subscription to the financial messenger will be described with reference to FIGS. 3, the user executes a financial messenger installed in the customer terminal 110 (S201), accesses the financial messenger server 120, and transmits the authentication information included in the membership information (S202). The authentication information may be authentication certificate information included in financial information, a member ID and a password, but is not limited thereto. Biometric authentication information including the identification number of the terminal used at the time of membership registration, fingerprint, iris, vein recognition, Can be used.

The financial messenger server 120 receives the authentication information from the customer terminal 110 and transmits the friend list added as a friend to the user terminal 110 through the financial messenger server 120 (S203). The addition, management, use, and provision of the friend list can be performed by using a known mobile messenger system, so a description thereof will be omitted.

The user can select the other party of the conversation by clicking at least one of the friends list provided through the financial messenger installed in the customer terminal 110 (S204), access the financial messenger server 120 and exchange messages with the selected user (S205). The exchanging of messages through the chat window can be executed in the same way as the known mobile messenger, and a description thereof will be omitted.

The user can display a pop-up menu for selecting a financial service in a dialogue window at the user's request during the conversation through the financial messenger according to an embodiment of the present invention.

An exemplary screen for providing an execution screen of a financial messenger and a financial service selection menu in a dialog in a method of providing a relational financial service according to an embodiment of the present invention is shown in FIG. Referring to FIG. 4, as shown in FIG. 4, a friend list is provided when executing the financial messenger according to an exemplary embodiment of the present invention. The friend list includes, but is not limited to, oneself, an official friend, and My friend. The user can conduct conversation with the other party by selecting at least one of the friends included in the friend list as the other party (by selecting "flow-in" in the embodiment shown in FIG. 4) The user can be provided with the financial service selection menu (the menu provided at the lower right of FIG. 4) through the menu selection of FIG. As shown in FIG. 4, the financial service according to an exemplary embodiment of the present invention may include remittance, payment approval, statistics, remittance request, transaction details, and the like, but is not limited thereto. Of appropriate financial services.

The user can select one of the financial services provided in the financial service selection menu (S206), and the financial messenger can display an input interface for receiving the execution information necessary for executing the financial service selected by the user in the dialog window . The execution information necessary for executing the financial service can be changed according to each financial service, which will be described later with reference to FIGS. 5 to 12.

The customer terminal 110 transmits a financial service execution request and execution information for executing the selected financial service to the financial messenger server 120 in operation S207 and the financial messenger server 120 transmits the execution request to the banking server 130 And requests execution of the financial service by transmitting (S208). The banking server 130 executes the requested financial service based on the received execution information (S206), and transmits the execution result to the financial messenger server 120. [ The financial messenger server 120 transmits the financial service execution result to the customer terminal 110 (S211), and the customer terminal 110 displays the execution result of the financial service in the dialog window (S212).

Hereinafter, the method of executing each financial service and the execution result will be described with reference to FIGS. 5 is a diagram illustrating an exemplary screen for displaying the execution result of the remittance service in the method of providing a relational financial service according to an embodiment of the present invention. As shown in FIG. 5, Sung Sik Baek can recognize the necessity of remittance of money borrowed from the bankruptcy prosecutor during the dialogue with Liu Xinjin. In this case, the user can select the financial service in the dialog box, You can send a certain amount of money to Ryujijin by clicking on. In order to execute the remittance service, an input interface for inputting execution information can be displayed in the dialog window, and the user can request the remittance service by inputting the remittance amount and the authorized certificate password in the input interface.

The customer terminal 110 transmits a request for execution of remittance service and execution information for the remittance service to the financial messenger server 120 and the financial messenger server 120 transmits the execution request to the banking server 130 to execute the remittance service And receives the execution result from the banking server 130 and transmits the execution result to the customer terminal 110. The customer terminal 110 can display the remittance service execution result in the form of a message in the dialog window, and as shown in FIG. 5, the remittance service execution result can be displayed differently to the user as 'remittance' and 'deposit'.

As described above, the method of providing a relational financial service according to an embodiment of the present invention can not only easily confirm the history of the financial transaction through dialogue with the other party but also can grasp the context in which the financial transaction occurs, There is an advantage that is possible. In addition, since the remittance can be performed only by inputting the authentication information such as the amount and the authorized certificate password in the dialog window without confirming the account number or the account holder of the other party, the remittance can be conveniently transmitted to the communication partner, Can be prevented.

6 is a diagram illustrating an exemplary screen for displaying the execution result of the remittance request service in the method of providing a relational financial service according to an embodiment of the present invention. As shown in FIG. 6, the user can receive the remittance request input interface by clicking the remittance request button in the financial service selection menu in the dialog window. The user can request remittance by inputting the remittance amount to be requested to each other when there is a counterpart or a plurality of counterparts in the dialog window.

The other party can remit the money to the other party who requested the remittance by clicking the remit button included in the remittance request. In this case, the execution information for remittance service execution may include only the authentication information. An exemplary screen for displaying the execution result of a remittance service in response to a remittance request in the method of providing a relational financial service according to an embodiment of the present invention is shown in Fig.

As described above, the relational financial service providing method according to an embodiment of the present invention can request remittance to a plurality of counterparts, so that it is possible to notify a plurality of counterparts at a time when it is necessary to make settlement with several persons such as collection of dues, Dutch money, and so on. In addition, there is no need to write down the account number for requesting remittance, and the other party of the remittance request can click the remittance button included in the remittance request to conveniently send the remittance with only the identification information without inputting the account number or amount .

FIG. 8 is a view showing an exemplary screen for displaying the execution result of the statistical service of the inter-personal chat window in the method of providing a relational financial service according to an embodiment of the present invention, and FIG. FIG. 7 is a diagram showing an exemplary screen for displaying the execution result of the statistical service of the dialog between the enterprise and the individual in the providing method. 8 and 9, the user can check the statistical information including the number of transactions with the counter party and the amount of money by clicking the statistics button in the financial service selection menu during the conversation with the counterpart. In addition, unlike statistics on interpersonal transactions, statistics on transactions with companies can be provided differently. In this embodiment, as shown in FIG. 9, expenditure can be managed by providing a comparison of monthly average usage.

FIG. 10 is a diagram illustrating a process of executing a payment approval service in a method of providing a relational financial service according to an exemplary embodiment of the present invention. Referring to FIG. As shown in FIG. 10, the pay-approval service is a gift cone-type service in which a user makes a settlement on behalf of a third party when the user requests the details to be paid. The user transmits (01) a payout approval request containing the payout approval details including the name and account number of the settlement destination and the amount to the counterpart (01), and the counterpart confirms the payout approval details (02) (03) by approving the settlement by clicking the acceptance button.

When the payee approval button is clicked by the other party, the payee approval amount is transferred to an account of the settlement destination included in the payee approval particulars in a reservation transfer form, and an indication indicating the approval result such as a barcode is displayed on the dialogue window of the user 04), and the approval result of the bar code or the like is confirmed (05) by the settlement terminal, and the transfer is executed from the withdrawal account, and the result is displayed in the dialog window (06). In the present embodiment, it is described that the reservation transfer is executed by displaying the barcode on the dialog box of the user in the result of the approval of the page and identifying the barcode in the settlement terminal. However, the method of payment approval is not limited to this, A code for executing a reservation transfer may be transmitted to the mobile phone, and a reservation transfer may be executed by any appropriate payment method such as payment through a mobile device such as NFC or MST.

The method of providing a relational financial service according to an embodiment of the present invention can provide a new financial service because a payment approval service of a reservation transfer form is provided to replace a payment by a cash transfer method instead of a card payment.

FIG. 11 is a diagram illustrating an exemplary screen for providing a financial service selection menu when the user selects me as a conversation partner in the method of providing a relational financial service according to an exemplary embodiment of the present invention. The user can inquire his / her financial transaction history by selecting himself / herself in the friend list of the financial messenger, and can manage his / her financial transaction by inputting a message as needed. Also, the financial service selection menu provided in the dialog with the user can be different from the financial service selection menu provided in the dialog window with the other person. In this embodiment, the financial service selection menu provided in the dialog window with the user exemplifies the regular gold deposit, the loan interest payment, the ATM withdrawal, the household account, etc. However, the present invention is not limited to this, It can be changed according to the setting.

FIG. 12 is a diagram illustrating an exemplary screen for selecting a counter party in a method of providing a relational financial service according to another embodiment of the present invention. Unlike the example shown in FIG. 4, in the method of providing a relational financial service according to another embodiment of the present invention, a list of all transactions can be provided in addition to the friend list. In addition to clicking the other party in the friend list By selecting one of the transaction details in the entire transaction history list, a dialog with the other of the transaction details can be executed.

Therefore, according to one embodiment of the present invention, the user can confirm the conversation with the other party by clicking the transaction history to ascertain the transaction cause or reason of the specific transaction among the entire transaction details, There is an effect that it can be grasped easily.

Although the present invention has been described in detail by way of preferred embodiments thereof, other forms of embodiment are possible. Therefore, the technical idea and scope of the claims set forth below are not limited to the preferred embodiments.

Claims (9)

There is provided a method for providing a financial service through an account included in the financial information in a financial messenger having registered financial service use registration using financial information including financial institution information, account information and authorized certificate information of a user, ,
Accessing a financial messenger through at least one authentication method;
Selecting at least one party of a buddy list in the financial messenger;
Selecting at least one financial service in a dialog with the selected counterpart;
Inputting execution information for execution of the selected financial service;
Executing the selected financial service through an Internet banking server or a smart banking server of a financial institution included in the financial information; And
Displaying the execution result of the financial service in the dialog,
Wherein the financial service includes a pay-
If the selected financial service is a pay approval service,
The user transmits a payout approval request including the payout approval amount and amount to the counterpart, and the counterpart confirms the payout approval by clicking the payout approval button after confirming the payout approval details,
When the payee approval button is clicked by the other party, the payee approval amount is transferred to an account of a settlement destination included in the payout approval form in a reserved transfer form, the approval result is displayed on the dialog window of the user, A method for providing a relational financial service in which transfer is executed by confirming at a settlement terminal. The method according to claim 1,
The financial service includes an inquiry service,
Wherein if the selected financial service is an inquiry service, displaying the execution result displays only the execution result of the financial service made in the dialog. The method according to claim 1,
The financial service includes a remittance service,
Wherein the execution information includes a remittance amount and authentication information when the selected financial service is a remittance service, and the authentication information includes biometrics authentication information including a preset remittance password, an OTP number, a certificate password, and fingerprint, iris, The method comprising the steps of: The method according to claim 1,
The financial service includes a remittance request service,
Wherein the execution information includes a remittance request amount when the selected financial service is a remittance request service and a remittance execution button for remitting the remittance request amount and the amount corresponding to the remittance request amount to the user, The method comprising the steps of: 5. The method of claim 4,
The other party may include a plurality of parties,
The execution information includes a remittance request amount for each of the plurality of counterparts, and the execution result includes a remittance request amount for each of the counterparts and a remittance request amount for each of the counterparts if the selected financial service is a remittance request service And a remittance execution button for allowing the user to remit money to the user. 5. The method of claim 4,
Further comprising executing remittance for the remittance request by clicking on a remittance execution button and inputting authentication information for the remittance request executed by the user,
Wherein the authentication information includes at least one of a preset remittance password, an OTP number, a certificate password, and biometric authentication information including fingerprint, iris, vein recognition. The method according to claim 1,
The financial service includes a statistical service,
Wherein if the selected financial service is a statistical service, then displaying the execution result provides statistics on a financial transaction with a counterpart of a currently running chat window. The method according to claim 1,
Wherein the buddy list includes the user himself,
Wherein the financial service provided in the dialog window is different from the financial service when the selected other party is the user. 9. A computer-readable storage medium comprising instructions, when executed by a computing device, to cause the computing device to perform the method of providing a relational financial service according to any one of claims 1-8.

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